As consumers, we enjoy the 24-hour convenience debit cards offer, whether to obtain cash for a night out on the town or to make purchases at millions of retailers worldwide who accept MasterCard or Visa. Unfortunately, crooks also enjoy the convenience of these cards, as they can be counterfeited and purchases made using your (checking account) money before you even realize there is a problem.

While technology makes using a debit card for cash and purchases easy and convenient, it also contributes to the fraud that is committed using these forms of payment. "Skimming" takes place when the information stored on the magnetic strip of a debit or credit card is illegally downloaded and used to produce a counterfeit card. Skimming units can be attached to existing machines used to process payments (gas stations, restaurants, stores, etc.) or held in one's hand and used right under the nose of an unsuspecting victim. While it is not always possible to prevent debit card fraud from happening, there are steps that you can follow to reduce your risk:

• Sign your debit card as soon as you receive it.
• Memorize your PIN and destroy it; do not carry it with you in any manner!
• Do not lend, borrow, or give your card to anyone; this includes family members.
• Whenever possible, keep your card in sight at all times and always obtain a receipt.
• Never insert your card into a machine which appears to have any additional, external devices attached to the unit. Also, be wary if your card will not easily go into a machine, as this may be an indication of an internal unit installed to capture your information.
• Do not allow a stranger to assist you with a "stuck" card, watch over your shoulder, or distract you when using your debit card.
• When using your debit card over the Internet, verify that you are not only dealing with a reputable company but also a secure Web site. Consider obtaining a separate debit card and account for such purchases.
• Reconcile your bank statements regularly and immediately report any discrepancies to your financial institution.
• Contact your financial institution immediately if your card is lost or stolen (as a delay in reporting may increase any applicable liabilities).
• Use First Banking Center's 24-hour First Touch Banking by calling (800) 417-5193 or sign up to view your accounts online: FBC Bank@Home. Either method allows you to keep a closer eye on your accounts, rather than waiting for a monthly statement.

Even under the best of circumstances and the most diligent protection measures, your debit card and subsequent checking account may be used for fraudulent means. If you do become a victim, here are some steps to help you:

• File a report with your local law enforcement agency. Keep a copy for your records as you may need it when dealing with retailers, financial institutions, and other companies.
• Contact your financial institution immediately to alert them to the problem; you may be required to complete additional paperwork. Do this right away!
• Understand that a financial institution has, by law, up to 10 days (in some cases, longer) to resolve any claims; if you have additional items coming through your account (checks, automatic withdrawals, etc.), talk to your financial institution or make arrangements to ensure that these items get paid.